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We did a refi in May to pull out cash and get a car. We did have closing costs and we got a fixed 4.25% for 15 years.


Still owe less than the house would sell for (given sales in the neighborhood), so I'm going to try not to whine too much about rates continuing to drop. It's tough to time it.


And when we bought the house, my mom said that our fixed 7% was really great. The house they bought in the late 70s had a 12% rate, I believe.

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